<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
STATEMENTS OF FINANCIAL CONDITION (AS OF MARCH 31, 1996 AND SEPT. 30, 1995) AND
CONSOLIDATED STATEMENTS OF EARNINGS FOR THE THREE AND SIX MONTHS ENDED MARCH 31,
1996 AND 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-Q
ENDED MARCH 31, 1996.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1995
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                             560
<INT-BEARING-DEPOSITS>                           3,058
<FED-FUNDS-SOLD>                                 1,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     61,604
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        130,334
<ALLOWANCE>                                        353
<TOTAL-ASSETS>                                 203,431
<DEPOSITS>                                     139,708
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,253
<LONG-TERM>                                     30,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            23
<OTHER-SE>                                      31,447
<TOTAL-LIABILITIES-AND-EQUITY>                 203,431
<INTEREST-LOAN>                                  2,592
<INTEREST-INVEST>                                1,175
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,767
<INTEREST-DEPOSIT>                               1,699
<INTEREST-EXPENSE>                               2,295
<INTEREST-INCOME-NET>                            1,472
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                 205
<EXPENSE-OTHER>                                    959
<INCOME-PRETAX>                                    712
<INCOME-PRE-EXTRAORDINARY>                         712
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       469
<EPS-PRIMARY>                                      .24
<EPS-DILUTED>                                      .24
<YIELD-ACTUAL>                                    2.93
<LOANS-NON>                                         29
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     29
<ALLOWANCE-OPEN>                                   323
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  353
<ALLOWANCE-DOMESTIC>                                30
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0